Personalized
paycheck in retirement. Simplified with AI.
Maximum. Powerful. Scalable.
AI-Powered Retirement
Decumulation
Our Paycheck, Income Planning 2.0 and Safe Income PortalSM capabilities are driven by our fiduciary advice engine AIDA.
- AIDA combs through thousands of strategic options to determine a personalized optimal strategy for each client.
- Strategic recommendations are based on Social Security, pension settlement, lifetime income allocation, investment allocation, capital gain management strategies and tax-optimized disbursals.
- It discovers the precise plan that aims to increase after-tax Safe Retirement Income by as much as 30%1
Paycheck in retirement
A solution to manage planned spending, unplanned spending, and Roth conversions during
retirement.
Integrates with your existing planning tools and systems to deliver
tax-optimized withdrawals.
Paycheck is holistic and flexible
Calculates expected inflation adjustment for each budgeted expense and incoming cash flow
Determines withdrawals between managed and held away accounts based on the client’s tax-optimized strategy
Estimates and includes federal and state taxes in the planned annual disbursal
Provides a simple summary dashboard for advisor or client to review and approve each disbursal
Advisors are doing a manual, tedious and ad-hoc process today using worksheets. Put your retirement distribution activity on autopilot -- let Paycheck increase efficiency and provide a consistent process at your firm.
Income Planning 2.0
This income advice solution provides advisors a client’s optimal retirement income strategy with one-click.
Flexible enough to work within an institution’s and client’s preferences, this comprehensive,
tax-optimized
decumulation process eliminates the guesswork for advisors.
Safe Income PortalSM
Self-service digital retirement income advice drives client engagement with your firm.
Two minutes and seven data points generate personalized results: optimal Social Security claim, lifetime income allocation, and portfolio allocation to maximize pre-tax safe income.
Solutions specialized to meet
your needs
Our solutions are available as a white label UI or API. All are customizable, flexible, and designed to provide value across multiple market segments. Each solution is built for quick integration. Explore how they can help your unique business grow.
Wealth Management
Use our solutions to build your retirement income business at scale. Enable advisors with the highest probability of winning new business with minimal inputs. Advisors will save time, deepen ongoing relationships with retirees, and increase revenue through referrals and asset consolidation.
Retirement Plans
Offer retirement income solutions designed with multiple benefits for the retiree and the recordkeeper. For the recordkeeper, solutions allow retention of participant assets nearing and post-retirement. Provide a superior offering to win plans and retain existing plans with potential additional revenue.
Industry Awards & Coverage
Income Discovery was named as a finalist in two Financial Planning categories in 2021: Innovation New Applications and Specialized Planning Applications
Income Discovery selected to demonstrate its solution at FinovateFall conference in September 2021
Income Discovery selected to demonstrate its solution at CB Insights Future of Fintech conference in October 2021
Income Discovery was named as a finalist in two Financial Planning categories in 2021: Innovation New Applications and Specialized Planning Applications
Income Discovery selected to demonstrate its solution at FinovateFall conference in September 2021
Income Discovery selected to demonstrate its solution at CB Insights Future of Fintech conference in October 2021
Income Discovery was named as a finalist in two Financial Planning categories in 2021: Innovation New Applications and Specialized Planning Applications
